Birmingham, AL · Cert 35314 · Carver Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
5
Profitability
20
Liquidity
80
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Birmingham, AL · Cert 35314 · Carver Financial Corp.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.0% share · #49 of 49 inst. · $0.0B of $53.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.39% | -5.31% | 2.32% | 1.77% | 1.11% | -2.11% | -5.96% | -3.95% | -572 bps | |
| Return on Equity | -28.18% | -34.84% | 16.67% | 12.39% | 7.64% | -14.46% | -41.16% | -27.73% | -4,012 bps | |
| Net Interest Margin | 4.75% | 4.43% | 3.52% | 3.36% | 3.49% | 3.80% | 3.33% | 3.67% | +31 bps | |
| Efficiency Ratio | 168.65% | 211% | 78.63% | 81.60% | 88.21% | 128.39% | 275% | 157.87% | +7,627 bps | |
| Non-Interest Burden | 8.34% | 8.88% | 1.25% | 1.55% | 2.30% | 6.35% | 9.29% | 7.67% | +612 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.99% | 2.66% | 3.53% | 6.51% | 1.91% | 4.54% | -5.92% | -7.75% | -1,425 bps | |
| Loan Growth (YoY) | 0.78% | -1.43% | 3.63% | 0.50% | 3.98% | 1.60% | -7.42% | 0.68% | +19 bps | |
| Deposit Growth (YoY) | 30.87% | 7.40% | -0.96% | 1.16% | -2.29% | -0.08% | -4.50% | -5.79% | -694 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 4.06% | 3.86% | 10.21% | 10.33% | 10.43% | 10.55% | 9.48% | -73 bps | |
| Net Charge-Offs / Loans | 0.98% | 0.73% | 0.00% | 0.00% | 0.00% | 0.00% | 1.00% | 0.45% | +45 bps | |
| Allowance / Loans | 1.54% | 1.52% | 1.45% | 1.57% | 1.63% | 1.65% | 1.48% | 1.33% | -24 bps | |
| Allowance Coverage of NPLs | n/a | 0.4x | 0.4x | 0.2x | 0.2x | 0.2x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.32% | 13.49% | 14.13% | 14.52% | 14.62% | 14.66% | 13.66% | 13.61% | -92 bps | |
| Total Risk-Based Capital | 24.28% | 22.87% | 21.58% | 23.70% | 23.48% | 23.71% | 21.37% | 19.80% | -390 bps | |
| Equity / Assets | 15.45% | 13.89% | 13.91% | 15.14% | 15.18% | 14.91% | 14.00% | 13.74% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.47% | 65.62% | 68.37% | 69.53% | 66.48% | 66.72% | 66.28% | 74.31% | +478 bps | |
| Liquid Assets / Assets | 28.20% | 22.43% | 18.35% | 20.48% | 18.21% | 17.88% | 19.55% | 12.79% | -769 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 163.62% | 159.55% | 171.94% | n/a | n/a | |
Birmingham, AL · Cert 35314 · Peer group: banks under $1B in assets (n=581-629) · Carver Financial Corp.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)
Q2 2026
Return on Assets
-4.06%
Rank 617 of 629
Net Interest Margin
3.67%
Rank 277 of 629
Efficiency Ratio
157.87%
Rank 615 of 629
Equity / Assets
13.74%
Rank 160 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.06% | 0.60% | 1.01% | 1.45% | Beats 2% | 617 / 629 | ||
| Return on Equity | -29.53% | 5.38% | 9.30% | 13.28% | Beats 1% | 623 / 629 | ||
| Net Interest Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 56% | 277 / 629 | ||
| Efficiency Ratio | 157.87% | 58.35% | 67.79% | 79.08% | Beats 2% | 615 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 9.48% | 0.09% | 0.46% | 1.20% | Beats 1% | 578 / 581 | ||
| Net Charge-Offs / Loans | 0.23% | n/a | 0.01% | 0.06% | Beats 8% | 537 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.69% | 11.24% | 13.84% | 18.77% | Beats 75% | 159 / 629 | ||
| Total Risk-Based Capital Ratio | 19.80% | 11.58% | 14.43% | 19.66% | Beats 75% | 156 / 629 | ||
| Equity / Assets | 13.74% | 9.09% | 10.65% | 13.80% | Beats 75% | 160 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.31% | 67.24% | 80.90% | 93.48% | 37th pctl | 373 / 594 | ||
| Loans / Assets | 60.84% | 53.31% | 67.71% | 78.15% | 36th pctl | 405 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||